Loans and cards, pan India
Compare before you borrow. Apply once.
Personal, business and home loans and credit cards from regulated banks and NBFCs, laid out in plain numbers — rate, fees, tenure, who qualifies. One application, sent only to the lender you pick.
Ranges are indicative for the Indian market as of November 2026. Your lender confirms the exact terms before you sign anything.
What would the EMI be?
Indicative- Principal
- ₹5,00,000
- Total interest
- ₹1,10,835
- Total you repay
- ₹6,10,835
- Interest as % of loan
- 22%
Reducing-balance method, rate held constant. Your lender's EMI will differ with its exact rate, processing fee and disbursal date.
- Free to compare and apply. Lenders pay us; you don't.
- You see the lender before they see you. Nothing is sent until you consent.
- No credit check to browse. Only your chosen lender runs an enquiry.
- A grievance desk with a deadline. Reply within 2 working days, resolution in 30.
What you can apply for
Four products. One form each. No surprises in the fine print.
- Amount
- ₹50k – ₹40 lakh
- Rate p.a.
- 10.5% – 24%
- Tenure
- 1 year – 6 years
- Amount
- ₹1 lakh – ₹75 lakh
- Rate p.a.
- 14% – 26%
- Tenure
- 1 year – 5 years
- Amount
- ₹5 lakh – ₹5 crore
- Rate p.a.
- 8.25% – 11.5%
- Tenure
- 5 years – 30 years
- Annual fee
- ₹0 – ₹12,500+
- Reward rate
- 0.5% – 5%
- Income needed
- ₹15,000+/month
Run the numbers first
Four loans people actually take, worked out.
Tap one to open it in the calculator and change the rate or tenure. The interest figure is usually the one that changes minds.
How it works
From "I need a loan" to a lender reference, in four steps.
Tell us what you need
Pick a product, enter the amount and a few details about your income or business. No PAN, no Aadhaar, no documents at this stage.
See who would consider you
We check lender-set eligibility rules — not your credit score — and show the products you qualify for, sorted by total cost to you.
Consent, then verify your number
You read exactly which lender receives your details and for what purpose. Tick the box, confirm the OTP, and only then is anything sent.
The lender takes it from here
You get a LoanKard reference and the lender's own reference. Their status updates show up in your account; we chase, you don't.
How we rank what you see
Not by who pays us the most.
Marketplaces in India are not required to tell you this. We think you should know anyway.
Products you are eligible for are sorted by the total amount you would pay over the tenure you asked for — interest plus processing fee plus mandatory charges — lowest first. Ties are broken by the lender's time to disburse.
- Products you are not eligible for are hidden, not pushed down.
- If a lender pays for placement, the product carries a visible "Sponsored" tag and sits in its own slot above the sorted list, never mixed into it.
- Commission never enters the sort. Our finance and compliance teams can both audit the ranking logs.
- Rates and fees shown come from the lender's own product feed with a "last confirmed" date. Anything older than 30 days is pulled.
Straight answers
Things we'd rather say upfront.
- We can't promise approval.
- Nobody honest can. We can tell you which lenders' published criteria you meet, which is the best information available before a lender looks at your file.
- The rate on the site may not be your rate.
- Ranges are for the category. Your rate depends on your credit history, income, employer and the lender's mood on the day. It is confirmed in the sanction letter — read that before you accept.
- We don't store what we don't need.
- No bank passwords, no card PINs, no OTPs. Identity documents are requested by the lender, in the lender's system, under the lender's KYC process.
- If something goes wrong, there's a person.
- A grievance officer, a ticket number, and a 30-day clock. If we can't resolve it, we tell you how to reach the lender's nodal officer and the RBI's ombudsman.
Questions people ask
Before you fill anything in.
More on each product page, or write to support@loankard.com.
Is LoanKard a lender?
No. LoanKard is a marketplace run by NexaEx Digital Services Pvt Ltd. We show you products from banks and NBFCs, collect one application with your consent, and send it to the lender you choose. The lender runs its own checks, decides, and pays out.
What does it cost me?
Nothing. We are paid a referral or distribution fee by the lender when a product goes through. Your rate, fees and terms are the lender's own and are the same whether you come through us or walk into a branch.
Who sees my details?
Only the lender(s) you pick, and only after you have read who they are and ticked the consent box. We do not sell leads, and we do not pass your number to call centres.
Why do you ask for my PIN code first?
Lenders serve different cities and towns. The PIN code lets us drop products that would reject you on location alone, before you spend ten minutes on a form.
How do I track my application?
Each application gets a LoanKard reference. Log in with your mobile number to see the lender's latest status — we pull it from the lender's system, so you don't need to chase anyone on the phone.